I do have 5 property managements for my rentals and how they are different is how the process for repair is different from one to another, but i see someone that's more pop and mom is having so much passion about real estate, that passion is kinda my indicator right now.

Also think about items you can upgrade or repair in the house to force appreciation, so that when you refinance down the road, you have a better LTV (equity) position and you can get even better rates at 75% or 70% LTV. 

If the cabin is brand new, figure 5 percent of annual rents for repairs and maintenance.  

Not only that but they also want to make substandard repairs to homes with cheap materials.   

Be good with your numbers, those are: ARV (based on comps), repair costs and MAO which will allow you to squeeze in your cut in the assignment of the contract.

With your prior experience investing, you should be able to find a lender that will allow you to put 10% down, and they will also cover the repair costs.

I have gotten 8 repair calls in 12 months.

My personal opinion is to not put anything down and instead save for closing costs and unexpected but expected repairs.

PLUS expenses (maintenance = 10%, repairs = 10%, management = 12%), PLUS the business loan = around $393. 

Is it even worth considering renting at a potential loss of HOA, also knowing home repairs could be needed in the future?